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Tool Buying in Dubai

Dubai mortgage calculator

Enter a price to see the monthly repayment and the cash you need on the day, with the deposit rules and Dubai fees built in.

Buying

Resale homes usually carry a 2% agency fee plus VAT, included below.

Estimated monthly repayment

AED 6,501/mo

Loan amount
AED 1.2M
DLD fee (4%)
AED 60K
Mortgage reg. (0.25%)
AED 3,000
Agency (2% + VAT)
AED 32K
Cash needed upfront
AED 395K

Indicative only. Minimum deposit 20% for resident expats buying a first home; non-residents usually need more. Excludes trustee and bank valuation fees; rates depend on your lender and residency status. Every fee explained

How much deposit

UAE Central Bank limits, which every lender follows.

Up to AED 5M
At least 20% down for resident expats on a first home (the bank lends up to 80%).
Over AED 5M
At least 30% down (the bank lends up to 70%).
Second home
Banks usually ask for 40% or more down on an additional property.
Non-residents
Fewer banks lend, typically at 50–60% of the price, so plan for a larger deposit.

The calculator covers the main costs. For trustee, valuation and bank fees, see every buying cost; buying with residency in mind, how the Golden Visa works.

Indicative figures as of October 2026, not a mortgage offer or financial advice. Lenders set their own rates, fees and criteria; financing introductions are made to independently licensed advisers.

Mortgage FAQ

How much deposit do I need to buy in Dubai?

Resident expats buying a first home need at least 20% of the price up to AED 5 million, and 30% above that, under UAE Central Bank rules. On top of the deposit, budget roughly 5–7% for fees, mainly the 4% DLD transfer fee.

What interest rate should I use?

Dubai mortgage rates move with the EIBOR benchmark. The calculator starts at 4.25% as a reasonable starting point; adjust it to the offers you're quoted, which depend on your income, residency and the property.

Can I get a mortgage on an off-plan property?

Most buyers pay off-plan instalments to the developer from their own funds and take a mortgage at handover for the balance. Some banks lend on approved projects before completion.

What's the longest mortgage term in the UAE?

Up to 25 years, and banks usually require the loan to end before you turn 65 (or 70 if self-employed), which can shorten the term for older buyers.

Run the real numbers

Send it to NVM and we'll come back with the full cost, a realistic rent and introductions to independent mortgage advisers.

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